Medical Spa Insurance
Work Confidently With Excellent-Rated Med Spa Coverage
- Built for modern medspas operating under medical oversight
- Designed to cover injectables, lasers, and higher-risk aesthetic procedures
- Scalable as your medical spa grows and expands services
- Structured for W-2 staffed practices
What is Medical Spa Insurance?
Medical Spa (also called MedSpa or Medi-Spa) Insurance is designed for businesses that provide medically supervised aesthetic services. It can protect your medspa from:
- Professional claims tied to services
- General liability claims, such as third-party injuries or property damage
- Operational risks that come with employees, equipment, and compliance
Medspa insurance is a safety net against costly claims, providing peace of mind for every consult, injection, and treatment.
MedSpa Insurance Tailored for Your Business
Reliable Coverage from Consult to Aftercare
Even experienced providers can face unexpected claims. With Beauty & Bodywork Insurance (BBI), your medspa is supported when it matters most.
~ $67,000
~ $40,000
~ $50,000
Run your medical spa with confidence.
~ $22,000
~ $75,000
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
What Types of Medical Spa Business Insurance Do I Need?
- Professional Liability (Medical Malpractice) Insurance: Designed to cover claims tied to the services your medspa performs
- General Liability Insurance: Can cover third-party injuries, property damage, and location-related claims
- Commercial Property Insurance: Helps protect your owned or rented spa space, plus the tools, equipment, furniture, tech, and more within
- Business Owner’s Policy (BOP): Bundles liability and property coverage into one simplified policy
- Workers Compensation Insurance: Helps cover work-related employee injuries and illnesses; often required if you have employees
Popular Coverage Add-Ons for Medical Spas
- Cyber Liability (Data Breach) Insurance
- Tools and Supplies Coverage (Inland Marine)
- EPLI (Employment Practices Liability Insurance)
- Equipment Breakdown Insurance
- Product Liability Insurance
- Commercial Auto Insurance
- Umbrella / Excess Liability Coverage
- Sexual Abuse and Molestation (SAM) Coverage
- Errors and Omissions (E&O) Coverage for Medical Directors
As your medspa adds providers or expands into higher-margin services, your coverage needs grow, as well. Our options help you build a policy around your everyday operations, so you can focus on delivering flawless results — not on risks!
Why Medspas Choose Beauty & Bodywork Insurance
BBI makes it easy to protect your practice with top-rated insurance aligned for modern aesthetic medicine. From deep chemical peels to injectable treatments, help clients find their glow with total peace of mind.
- Simple application and timely follow-up with a team familiar with medspa risk
- Clear support so you know when it’s time to upgrade coverage
- Designed with real-world compliance in mind
- Competitively priced for growing medspa practices
- Trusted insurance provider in the beauty industry
We’ve Got You Covered
But take it from our happy policyholders.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
Questions About Medical Spa Insurance
Is Medical Spa Insurance Available for Individual Providers?
At this time, this offering is only available for medspa businesses (not individual providers). If you’re an individual spa or salon professional, explore BBI’s coverage options designed specifically for you: Insurance for Beauty Professionals.
How Do I Get Medspa Liability Insurance?
Start by completing our application. A licensed BBI insurance expert will review your services and business details, then follow up with coverage options that fit your medspa’s operations and risk profile.
If I Don’t Have a Physical Location, Do I Still Need MedSpa Coverage?
Yes, your service location is still a business exposure, whether you’re mobile or operating across multiple sites. Client injuries and service-related claims can occur anywhere you provide medspa treatment.
Does Personal Malpractice Insurance Cover My Medspa Business?
Often, no. Personal coverage may protect an individual provider’s professional liability, but medical spa businesses typically need properly written coverage for premises, operations, staffing, and broader business exposures.
What Coverages Do MedSpas Typically Need?
Most medical spas need core insurance coverages like professional liability (medical malpractice), general liability, a business owner’s policy (BOP), and workers compensation. Many also add coverage for cyber liability, tools and supplies, and false claims of sexual misconduct, depending on their business structure.
What Services Can Be Covered With Medical Spa Insurance?
Medical spa insurance can cover aesthetic services, such as:
- Ablative lasers
- Basic wellness injections
- Deep chemical peels
- Dermaplaning
- Facials
- Full-face resurfacing
- Hormone therapy
- Injectables (Botox, fillers, PRP)
- IV therapy
- Laser hair removal/IPL/non-ablative lasers
- Light peels
- Massage
- Medical weight loss programs
- Microblading
- Microcurrent facials
- Microdermabrasion
- Microneedling
- Non-genital body piercing
- Permanent jewelry (soldered chains)
- Permanent makeup
- PRP facials
- Tattoo removal (laser or chemical)
- Vitamin drips
- Waxing
Your coverage depends on eligibility and underwriting guidelines.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.